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Supplementary Credit Card FAQ
 General
  1. What is the FairPrice Plus Supplementary Credit Card?
  2. What are the criteria for FairPrice Plus Supplementary Credit Card?
  3. What happens if someone uses my FairPrice Plus Supplementary Credit Card without my permission?
  4. Is there any charge on my FairPrice Plus Supplementary Credit Card?
  5. What are the features of the FairPrice Plus Supplementary Credit Card?
  6. What are the benefits/ privileges of FairPrice Plus Supplementary Credit Card?
  7. What are the restrictions for FairPrice Plus Supplementary Credit Card?
 LinkPoints
  1. Where can I earn LinkPoints? How much LinkPoints can I earn?
  2. As FairPrice Plus Supplementary Credit Card, can I redeem LinkPoints?
  3. Don’t I have to be an Union Member to be eligible for LinkPoints?
  4. Are there any fees & charges related to LinkPoints?
  5. Where can I earn LinkPoints? How much LinkPoints can I earn?
  6. I can get much higher rebates from some other credit cards in the market. Why is this offer special?
  7. Why do I have to opt out of paper statements before I get LinkPoints on my savings account?
  8. Can I still earn LinkPoints at FairPrice outlets when I spend a minimum amount of S$20 with my FairPrice Plus Card?
  9. Where and how can I redeem my LinkPoints?
  10. When does my LinkPoints expire?
  11. How do I check how many LinkPoints I have?
 Usage
  1. What kind of offers and privileges will I get with my FairPrice Plus?
  2. Can my FairPrice Plus Card entitle me to use OCBC Instalment Payment Plan?
  3. Can my FairPrice Plus Card entitle me to NTUC LINK Gold Privileges?
  4. Can my FairPrice Plus Card entitle me to OCBC Credit Card Privileges?
  5. Do I get all OCBC benefits and privileges?
  6. Do I automatically become a FairPrice Member and get rebates when I sign up for the FairPrice Plus account?
  7. Why is there a minimum amount of S$10 before my FairPrice Plus Card can be accepted as payment at FairPrice outlets?
  8. What do you mean by a minimum spend of S$10 for the FairPrice Plus Card and a minimum spend of S$20 for LinkPoints?
  9. Does the FairPrice Plus Card replace my Link Card?
 Application
  1. How do I apply for a FairPrice Plus Supplementary Credit Card?
  2. Where can I get application forms?
  3. What are the relevant documents I need to submit with my application?
  4. What will I receive once my application is approved?
 General - Answers
1: What is the FairPrice Plus Supplementary Credit Card?
  Ans: 

The FairPrice Plus Supplementary Credit Card is a card linked to and shares the credit limit of the Principal FairPrice Plus credit card.  It is accepted for credit payment at all FairPrice outlets and at over 24 million VISA accepting merchant outlets worldwide. It also enjoys the same benefits and privileges of the LinkPoints loyalty program, as well as exclusive offers and promotions accorded to FairPrice Plus cardmembers.

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2: What are the criteria for FairPrice Plus Supplementary Credit Card?
  Ans: 

You need to be 18 years of age to be eligible.

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3: What happens if someone uses my FairPrice Plus Supplementary Credit Card without my permission?
  Ans: 

If your Card is lost or stolen, please call us immediately at 1800 820 2020 (available 24 hours daily). You will not be liable for any fraudulent transactions on your Card once you have reported the loss to us.

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4: Is there any charge on my FairPrice Plus Supplementary Credit Card?
  Ans: 

The FairPrice Plus Supplementary Credit Card is FREE.

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5: What are the features of the FairPrice Plus Supplementary Credit Card?
  Ans: o Get up to 3 FREE FairPrice Plus Supplementary Credit Cards with every FairPrice Plus Principal Credit Card
o Shared credit limit with FairPrice Plus Principal Credit Card with the same interest free repayment period of up to 52 days
o Same wide acceptance at 22 million VISA merchant outlets worldwide and online as well as at all NTUC FairPrice outlets (with min. spend of S$30)
o Cash advance locally at any OCBC ATM/ ATM Plus or internationally at any ATM with the VISA Plus logo
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6: What are the benefits/ privileges of FairPrice Plus Supplementary Credit Card?
  Ans: 

o         Enjoy special FairPrice Plus merchant promotions and discounts
o         Earn LinkPoints for purchases at NTUC FairPrice outlets (min spend of S$20), any LinkPoints merchant and any VISA merchant.  (all LinkPoints will be awarded and accumulated to the Principal Cardmember LinkPoints account)
o         LinkPoints can be redeemed by both the Principal and Supplementary Credit Cardmembers

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7: What are the restrictions for FairPrice Plus Supplementary Credit Card?
  Ans: 

o         All FairPrice Plus Supplementary Credit Card transaction details will be consolidated with the Principal Credit Cardmember.  No separate statement will be issued
o         All LinkPoints earned by the FairPrice Plus Supplementary Credit Card will be consolidated with the Principal Credit Cardmember
o         Internet/ Phone Banking services are available only to the Principal Credit Cardmember
o         The FairPrice Plus Supplementary Credit Card does not come with a complementary Savings Account and will have no access to the Principal Cardmember’s Savings Account

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 LinkPoints - Answers
1: Where can I earn LinkPoints? How much LinkPoints can I earn?
  Ans: 

You can earn LinkPoints for purchases at NTUC FairPrice outlets (min spend of S$20), any LinkPoints merchant and any VISA merchant.  (all LinkPoints will be awarded and accumulated to the Principal Cardmember LinkPoints account).

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2: As FairPrice Plus Supplementary Credit Card, can I redeem LinkPoints?
  Ans: 

LinkPoints can be redeemed by both the Principal and Supplementary Credit Cardmembers from The Principal Credit Card LinkPoints account.

All LinkPoints earned by the FairPrice Plus Supplementary Credit Card will be consolidated with the Principal Credit Cardmember.

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3: Don’t I have to be an Union Member to be eligible for LinkPoints?
  Ans: FairPrice Plus accounts are available to all members of the public.
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4: Are there any fees & charges related to LinkPoints?
  Ans: 

There are no fees & charges involved in the LinkPoints program. This program is FREE for all FairPrice Plus account holders.

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5: Where can I earn LinkPoints? How much LinkPoints can I earn?
  Ans: 

You can earn LinkPoints for purchases at all FairPrice outlets and other merchant outlets (both locally and overseas) that accept VISA. There are also over 500 special LINK merchant outlets that allows you to earn more LinkPoints when you shop with them. LinkPoints can be used to redeem free groceries (offsetting your purchases) or other rewards by Link.

For a complete list, please visit www.linkpoints.com.sg. Below is a table highlighting the LinkPoints redemption rate :

NTUC FairPrice Stores

S$1 Spent = 2 LinkPoints (min spend of $20)

FairPrice Online (www.fairpriceonline.com.sg )

S$2 Spent = 5 LinkPoints

At VISA accepting merchants

S$2 Spent = 1 LinkPoint (VISA transactions)

At over 600 Link merchant outlets

Varies according to merchant promotions

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6: I can get much higher rebates from some other credit cards in the market. Why is this offer special?
  Ans: NTUC FairPrice has been a leader in keeping costs of daily living low for Singaporeans. Their prices are generally accepted as lower, thus you already get savings from shopping at FairPrice. In addition, our offer rewards you for both saving and spending, with little or no costs to you so that as a whole, you save more.
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7: Why do I have to opt out of paper statements before I get LinkPoints on my savings account?
  Ans: At 1% interest per annum, your interest rate on your savings is already one of the highest in the market. We have worked hard to translate savings from not having to print or mail you the paper statements into bonus LinkPoints.
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8: Can I still earn LinkPoints at FairPrice outlets when I spend a minimum amount of S$20 with my FairPrice Plus Card?
  Ans: Yes, you will still earn LinkPoints with a minimum purchase of S$20.
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9: Where and how can I redeem my LinkPoints?
  Ans: You can offset your purchases in FairPrice stores, or redeem rewards at Link merchants and the LinkPoints Rewards Centre (NTUC Centre, Basement, One Raffles Boulevard).
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10: When does my LinkPoints expire?
  Ans: Your LinkPoints earned in a calendar year will expire on 31 December of that year. However, you will be given an additional 6 months grace to redeem your points.
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11: How do I check how many LinkPoints I have?
  Ans: 

You can check your LinkPoints balance at www.linkpoints.com.sg or call 5223 5225. All you need is your NRIC or FIN ready when prompted. You can also check out your LinkPoints at any participating Link merchant outlet.

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 Usage - Answers
1: What kind of offers and privileges will I get with my FairPrice Plus?
  Ans: 

Besides the free membership into the LinkPoints rewards program, you can get also get discounts and privileges at selected well known merchants exclusively for you. Please click here for a complete list.

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2: Can my FairPrice Plus Card entitle me to use OCBC Instalment Payment Plan?
  Ans: 

Yes. FairPrice Plus have specially tied up with OCBC to allow FairPrice Plus Cards to be used for installment payment plans on your Credit Card at over 1000 merchant outlets. For a complete listing, please visit www.fairpriceplus.com.

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3: Can my FairPrice Plus Card entitle me to NTUC LINK Gold Privileges?
  Ans: 

No. NTUC Link Gold Privileges are exclusively tied up for NTUC Union Members holding the NTUC Union Card. Your FairPrice Plus Card does not qualify you for these privileges.

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4: Can my FairPrice Plus Card entitle me to OCBC Credit Card Privileges?
  Ans: Yes. Your FairPrice Plus Card qualifies you for OCBC Credit Card Lifestyle Privileges that are open to all OCBC credit cards.
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5: Do I get all OCBC benefits and privileges?
  Ans: 

FairPrice Plus is a separate brand and product offering from OCBC. As such, the benefits and privileges to customers are unique and differentiated from OCBC.

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6: Do I automatically become a FairPrice Member and get rebates when I sign up for the FairPrice Plus account?
  Ans: 

Only FairPrice shareholders are FairPrice Members and are eligible for rebates. To be a shareholder of FairPrice, you must be a union member and/or co-operative member. For union membership details, please visit www.ntuc.org.sg 

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7: Why is there a minimum amount of S$10 before my FairPrice Plus Card can be accepted as payment at FairPrice outlets?
  Ans: 

This minimum purchase amount of S$10 is meant to reduce the queue time at the check-out counters for our customers. We will monitor the queue time closely to determine its overall impact. For amounts less than S$10, you can still use your FairPrice Plus Card to make payment through NETS.

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8: What do you mean by a minimum spend of S$10 for the FairPrice Plus Card and a minimum spend of S$20 for LinkPoints?
  Ans: 

The fPLUS Card is both a payment and loyalty (LinkPoints) card. Each of these functions has a different minimum spend. The table below summarises the breakdown :

If you spend

LinkPoints (min. S$20)

Payment with Fplus (min. S$10)

S$20 or more

Between S$10 and S$20

×

Less than S$10

×

× (NETS or cash)

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9: Does the FairPrice Plus Card replace my Link Card?
  Ans: Yes, you only need to carry your FairPrice Plus Card.
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 Application - Answers
1: How do I apply for a FairPrice Plus Supplementary Credit Card?
  Ans: 

All you need to do is to complete a simple application form, sign and mail in with a copy of

  1. NRIC (front and back) for Singaporeans; or 
  2. Passport for Foreigners
  3. For applicants below 18 years of age who are going for overseas study, please provide a copy of the letter of acceptance from the overseas educational institution or relevant supporting document(s)
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2: Where can I get application forms?
  Ans: You can get application forms online from www.fairpriceplus.com or call Contact Centre 1800 8 20 20 20 (9a.m. to 10p.m.)
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3: What are the relevant documents I need to submit with my application?
  Ans: 
  1. NRIC (front and back) for Singaporeans; or
  2. Passport for Foreigners
  3. For applicants below 18 years of age who are going for overseas study, please provide a copy of the letter of acceptance from the overseas educational institution or relevant supporting document(s)  
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4: What will I receive once my application is approved?
  Ans: 

We will send you 2 items separately:
o         Welcome pack (with your card, product brochure and terms & conditions)
o         Card PIN

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FairPrice Plus is a collaboration between NTUC FairPrice Co-operative Limited and Oversea-Chinese Banking Corporation Limited. All banking products and services, unless otherwise stated, are provided by Oversea-Chinese Banking Corporation Limited for FairPrice Plus.